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Informational only. Always verify at FinCEN.gov before making compliance decisions. Last refreshed: 2026-10-18.

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Active
money services businessesRenewal #5

Geographic Targeting Order - Southwest Border Money Services Businesses (September 2026)

“The following ZIP codes in Texas, Cameron County, El Paso County, Hidalgo County, Maverick County, and Webb County, and the following ZIP codes in New Mexico, Bernalillo County, Doña Ana County, and San Juan County. Arizona and California are NOT part of this reissue.”

Threshold

$1,000

Effective

September 3, 2026

Expires

March 1, 2027

Geography

ZIP code

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Order Summary

FinCEN reissued the Southwest Border MSB Geographic Targeting Order, signed September 2, 2026 and published September 4, 2026 (91 FR 56776). It is effective September 3, 2026 through March 1, 2027. Covered businesses must report cash transactions of $1,000 or more, but not more than $10,000, on a Currency Transaction Report within 30 days. Coverage is limited to listed ZIP codes in five Texas counties (Cameron, El Paso, Hidalgo, Maverick, Webb) and three New Mexico counties (Bernalillo, Doña Ana, San Juan). Arizona and California are NOT covered by this reissue. MSBs that were not covered businesses under the March 10, 2026 order have a compliance date of October 3, 2026. The order preserves the existing injunction exception, so MSBs that courts have enjoined the government from reaching under the March 14, 2025 order (90 FR 12106) remain exempt while that injunction is in force.

Geographic Coverage

8 areas shown
Leaflet © OpenStreetMap contributors © CARTO
Cameron County, TX
El Paso County, TX
Hidalgo County, TX
Maverick County, TX
Webb County, TX
Bernalillo County, NM
Doña Ana County, NM
San Juan County, NM

Formal Geographic Text (from order)

“The following ZIP codes in Texas, Cameron County, El Paso County, Hidalgo County, Maverick County, and Webb County, and the following ZIP codes in New Mexico, Bernalillo County, Doña Ana County, and San Juan County. Arizona and California are NOT part of this reissue.”

ZIP-code-level coverage in 5 Texas counties and 3 New Mexico counties ONLY. Arizona and California are excluded from this reissue. Exact ZIP lists are stored per county and shown below.

Covered ZIP Codes (exact list from the order)

Cameron County, TX

78521, 78520, 78526, 78550, 78586, 78552, 78566, 78559, 78578, 78593, 78583, 78575, 78597, 78592, 78535, 78567, 78522, 78523, 78553, 78551, 78568

El Paso County, TX

79936, 79938, 79928, 79912, 79924, 79907, 79927, 79925, 79915, 79904, 79932, 79934, 79930, 79905, 79902, 79935, 79903, 79849, 79835, 79911, 79901, 79836, 79821, 79922, 79906, 79838, 79908, 79916, 79853, 79918, 79920, 79923, 79931, 79913, 79914, 79929, 79917, 79996, 79937, 79926, 79995, 79968, 79940, 79980, 79910, 88513, 88565, 88590, 88587, 88510, 88511, 88512, 88514, 88515, 88517, 88518, 88519, 88520, 88521, 88523, 88524, 88525, 88526, 88527, 88528, 88529, 88530, 88531, 88532, 88533, 88534, 88535, 88536, 88538, 88539, 88540, 88541, 88542, 88543, 88544, 88545, 88546, 88547, 88548, 88549, 88550, 88553, 88554, 88555, 88556, 88557, 88558, 88559, 88560, 88561, 88562, 88563, 88566, 88567, 88568, 88569, 88570, 88571, 88572, 88573, 88574, 88575, 88576, 88577, 88578, 88579, 88580, 88581, 88582, 88583, 88584, 88585, 88586, 88588, 88589, 88595, 79941, 79942, 79943, 79944, 79945, 79946, 79947, 79948, 79949, 79950, 79951, 79952, 79953, 79954, 79955, 79958, 79960, 79961, 79976, 79978, 79997, 79998, 79999

Hidalgo County, TX

78542, 78577, 78572, 78504, 78574, 78501, 78541, 78537, 78573, 78589, 78596, 78539, 78599, 78516, 78570, 78503, 78576, 78557, 78538, 78543, 78595, 78560, 78562, 78579, 78558, 78549, 78563, 78565, 78540, 78505, 78502

Maverick County, TX

78852, 78877, 78860, 78853

Webb County, TX

78046, 78045, 78041, 78043, 78040, 78344, 78044, 78369, 78371, 78042

Bernalillo County, NM

87121, 87158, 87192, 87153, 87191, 87181, 87131, 87190, 87176, 87154, 87194, 87197, 87125, 87198, 87196, 87103, 87119, 87115, 87185, 87199, 87184, 87195, 87193, 87101, 87107, 87114, 87120, 87111, 87105, 87112, 87123, 87110, 87109, 87108, 87187, 87102, 87122, 87113, 87104, 87116, 87151, 87106, 87008, 87022, 87117, 87047, 87059

Doña Ana County, NM

88021, 88024, 88027, 88081, 88032, 88033, 87936, 87937, 88044, 88003, 88004, 88001, 88006, 88013, 88007, 88005, 88011, 88012, 88046, 88047, 88048, 88052, 88054, 87940, 87941, 88058, 88008, 88063, 88072, 88002

San Juan County, NM

87410, 87412, 87413, 87401, 87402, 87499, 87415, 87416, 87417, 87418, 87037, 87419, 87455, 87461, 87364, 87420, 87421

Reporting Requirements

Who Must Report

Money services businesses (currency dealers/exchangers, check cashers, money transmitters) with a physical presence in a covered ZIP code

What Must Be Reported

File a Currency Transaction Report (CTR) with FinCEN within 30 days of the transaction for each covered cash transaction of $1,000 up to $10,000 (inclusive); verify customer identity under 31 CFR 1010.312; retain records for 5 years. Put "MSB0926GTO" in Part IV, Field 45. Effective Sept 3, 2026 – March 1, 2027. Newly covered businesses: compliance date Oct 3, 2026.

Threshold

$1,000

All-cash transactions at or above

Source Agency

FinCEN

Federal Register (91 FR 56776) | FinCEN order

Change Log

IssuedSeptember 2, 2026

Order signed by FinCEN Deputy Director (Jimmy L. Kirby). Reissues the Southwest Border MSB GTO for September 3, 2026 – March 1, 2027.

IssuedSeptember 4, 2026

Published in the Federal Register as 91 FR 56776 (FR Doc. 2026-18194). Effective date September 3, 2026.

ModifiedOctober 3, 2026

Compliance date for businesses that were not covered under the March 10, 2026 order (91 FR 11456).

Renewal Chain

Replaces:gto-msb-sw-border-2026-01· Renewal #5

Frequently Asked Questions

Common questions about this specific GTO, with answers grounded in the official order text.

These answers are for informational purposes only and are grounded in the official FinCEN order text. They do not constitute legal advice.

Analyst Notes

ACTIVE from September 3, 2026 through March 1, 2027. Reporting threshold is a $1,000–$10,000 inclusive range, this is LOWER than the ordinary $10,000+ Currency Transaction Report threshold and does not replace it. Arizona and California are excluded from this reissue (only TX and NM ZIP codes are covered). MSBs enjoined from the March 14, 2025 order (90 FR 12106) are exempt while the injunction remains in force.

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